Perspectives Newsletter – February 2016

1p1 Slide2 1p3FEBRUARY 2016 PERSPECTIVESp4FEBRUARY 2016 PERSPECTIVESp51p7 1p8 1p9 1p10 1p11 1p12 1p13brogoffFEBRUARY 2016 PERSPECTIVESp14